Home > Farmers State Bank Stanberry > Performance and Condition Ratios
Farmers State Bank Stanberry, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0573% | 5,590 |
| Cost of funding earning assets | 0.4120% | 2,922 |
| Net interest margin | 2.6453% | 5,623 |
| Noninterest income to average assets | 0.3763% | 4,054 |
| Noninterest expense to average assets | 2.0141% | 5,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9130% | 2,797 |
| Return on assets (ROA) | 0.9130% | 2,931 |
| Pretax return on assets | 0.9130% | 3,904 |
| Return on Equity (ROE) | 7.0481% | 3,513 |
| Retained earnings to average equity (ytd only) | -23.3501% | 5,986 |
| Net charge-offs to loans | 0.6709% | 305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.3590% | 3,120 |
| Efficiency ratio | 68.8095% | 3,188 |
| Assets per employee ($millions) | 7.2006% | 806 |
| Cash dividends to net income (ytd only)* | 431.2977% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7776% | 1,119 |
| Loan loss allowance to noncurrent loans | 852.0833% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 5,194 |
| Noncurrent loans to loans | 0.2086% | 4,608 |
| Net loans and leases to total assets | 39.2310% | 5,459 |
| Net loans and leases to deposits | 44.9150% | 5,533 |
| Net loans and leases to core deposits | 45.3659% | 5,583 |
| Total domestic deposits to total assets | 87.3448% | 1,741 |
| Equity capital to assets | 12.5927% | 1,715 |
| Core capital (leverage) ratio | 12.3414% | 1,433 |
| Tier 1 risk-based capital ratio | 17.7066% | 2,014 |
| Total risk-based capital ratio | 18.7295% | 2,036 |
| Memoranda: | ||
| Average total assets | $57,394,330 | 5,305 |
| Average earning assets | $55,342,670 | 5,238 |
| Average equity | $7,434,670 | 5,115 |
| Average total loans | $23,252,000 | 5,526 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1487% | 5,550 |
| Cost of funding earning assets | 0.4135% | 2,913 |
| Net interest margin | 2.7352% | 5,560 |
| Noninterest income to average assets | 0.1885% | 5,378 |
| Noninterest expense to average assets | 2.0667% | 5,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7541% | 3,463 |
| Return on assets (ROA) | 0.7541% | 3,573 |
| Pretax return on assets | 0.7541% | 4,353 |
| Return on Equity (ROE) | 5.7409% | 4,108 |
| Retained earnings to average equity (ytd only) | -54.3256% | 6,082 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2673% | 2,596 |
| Assets per employee ($millions) | 7.1380% | 843 |
| Cash dividends to net income (ytd only)* | 1,046.2963% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1204% | 665 |
| Loan loss allowance to noncurrent loans | 773.0159% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 4,107 |
| Noncurrent loans to loans | 0.2743% | 4,453 |
| Net loans and leases to total assets | 39.3668% | 5,491 |
| Net loans and leases to deposits | 44.9447% | 5,560 |
| Net loans and leases to core deposits | 44.9447% | 5,628 |
| Total domestic deposits to total assets | 87.5893% | 1,870 |
| Equity capital to assets | 12.3476% | 1,786 |
| Core capital (leverage) ratio | 12.0311% | 1,583 |
| Tier 1 risk-based capital ratio | 20.1449% | 1,470 |
| Total risk-based capital ratio | 21.3957% | 1,449 |
| Memoranda: | ||
| Average total assets | $57,289,000 | 5,356 |
| Average earning assets | $55,134,000 | 5,294 |
| Average equity | $7,525,000 | 5,138 |
| Average total loans | $23,374,000 | 5,572 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3628% | 5,240 |
| Cost of funding earning assets | 0.4070% | 3,080 |
| Net interest margin | 2.9558% | 5,232 |
| Noninterest income to average assets | 0.2275% | 5,234 |
| Noninterest expense to average assets | 1.9534% | 5,538 |
| Loan and lease loss provision to assets | -0.3371% | 6,079 |
| Net operating income to assets | 1.4629% | 927 |
| Return on assets (ROA) | 1.4680% | 947 |
| Pretax return on assets | 1.4680% | 1,653 |
| Return on Equity (ROE) | 10.9090% | 1,645 |
| Retained earnings to average equity (ytd only) | 4.6467% | 2,681 |
| Net charge-offs to loans | -0.2660% | 5,998 |
| Credit loss provision to net charge-offs | 298.5075% | 994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4373% | 4,378 |
| Assets per employee ($millions) | 7.1843% | 825 |
| Cash dividends to net income (ytd only)* | 57.4053% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0479% | 746 |
| Loan loss allowance to noncurrent loans | 1,132.5581% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 4,277 |
| Noncurrent loans to loans | 0.1808% | 4,772 |
| Net loans and leases to total assets | 40.5296% | 5,483 |
| Net loans and leases to deposits | 47.1138% | 5,514 |
| Net loans and leases to core deposits | 47.1138% | 5,603 |
| Total domestic deposits to total assets | 86.0250% | 2,629 |
| Equity capital to assets | 13.9176% | 959 |
| Core capital (leverage) ratio | 13.5612% | 944 |
| Tier 1 risk-based capital ratio | 20.4772% | 1,389 |
| Total risk-based capital ratio | 21.7269% | 1,365 |
| Memoranda: | ||
| Average total assets | $59,333,000 | 5,336 |
| Average earning assets | $57,244,200 | 5,261 |
| Average equity | $7,984,200 | 5,068 |
| Average total loans | $25,186,000 | 5,548 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4049% | 5,194 |
| Cost of funding earning assets | 0.4066% | 3,158 |
| Net interest margin | 2.9983% | 5,194 |
| Noninterest income to average assets | 0.2252% | 5,305 |
| Noninterest expense to average assets | 1.8439% | 5,718 |
| Loan and lease loss provision to assets | -0.4459% | 6,193 |
| Net operating income to assets | 1.7213% | 599 |
| Return on assets (ROA) | 1.7280% | 615 |
| Pretax return on assets | 1.7280% | 1,036 |
| Return on Equity (ROE) | 12.9479% | 1,133 |
| Retained earnings to average equity (ytd only) | 4.5944% | 3,202 |
| Net charge-offs to loans | 0.0418% | 3,048 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,626 |
| Earnings coverage of net charge-offs (x) | 71.4761% | 802 |
| Efficiency ratio | 59.1137% | 4,990 |
| Assets per employee ($millions) | 7.2200% | 789 |
| Cash dividends to net income (ytd only)* | 64.5160% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6283% | 1,680 |
| Loan loss allowance to noncurrent loans | 132.4759% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 3,692 |
| Noncurrent loans to loans | 1.2292% | 2,078 |
| Net loans and leases to total assets | 43.0921% | 5,416 |
| Net loans and leases to deposits | 50.0734% | 5,466 |
| Net loans and leases to core deposits | 50.3337% | 5,567 |
| Total domestic deposits to total assets | 86.0578% | 2,496 |
| Equity capital to assets | 13.8816% | 1,071 |
| Core capital (leverage) ratio | 13.3863% | 1,063 |
| Tier 1 risk-based capital ratio | 29.5155% | 551 |
| Total risk-based capital ratio | 30.7710% | 540 |
| Memoranda: | ||
| Average total assets | $59,797,750 | 5,393 |
| Average earning assets | $57,719,750 | 5,313 |
| Average equity | $7,980,500 | 5,129 |
| Average total loans | $25,537,250 | 5,596 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3539% | 5,327 |
| Cost of funding earning assets | 0.4042% | 3,231 |
| Net interest margin | 2.9496% | 5,339 |
| Noninterest income to average assets | 0.1984% | 5,492 |
| Noninterest expense to average assets | 1.6932% | 5,974 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3526% | 1,186 |
| Return on assets (ROA) | 1.3559% | 1,222 |
| Pretax return on assets | 1.3559% | 2,163 |
| Return on Equity (ROE) | 10.2912% | 1,937 |
| Retained earnings to average equity (ytd only) | 10.2912% | 620 |
| Net charge-offs to loans | 0.0390% | 2,897 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 81.8000% | 694 |
| Efficiency ratio | 55.5917% | 5,464 |
| Assets per employee ($millions) | 7.6063% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3928% | 556 |
| Loan loss allowance to noncurrent loans | 174.7159% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 3,678 |
| Noncurrent loans to loans | 1.3695% | 1,976 |
| Net loans and leases to total assets | 41.2276% | 5,560 |
| Net loans and leases to deposits | 47.6423% | 5,610 |
| Net loans and leases to core deposits | 47.8750% | 5,695 |
| Total domestic deposits to total assets | 86.5357% | 2,409 |
| Equity capital to assets | 13.4067% | 1,214 |
| Core capital (leverage) ratio | 13.0156% | 1,159 |
| Tier 1 risk-based capital ratio | 27.8423% | 652 |
| Total risk-based capital ratio | 29.1043% | 645 |
| Memoranda: | ||
| Average total assets | $60,477,000 | 5,438 |
| Average earning assets | $58,380,000 | 5,357 |
| Average equity | $7,968,000 | 5,173 |
| Average total loans | $25,615,670 | 5,649 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2789% | 5,495 |
| Cost of funding earning assets | 0.4056% | 3,245 |
| Net interest margin | 2.8733% | 5,497 |
| Noninterest income to average assets | 0.1858% | 5,597 |
| Noninterest expense to average assets | 1.7383% | 5,972 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2208% | 1,490 |
| Return on assets (ROA) | 1.2208% | 1,583 |
| Pretax return on assets | 1.2208% | 2,583 |
| Return on Equity (ROE) | 9.3484% | 2,286 |
| Retained earnings to average equity (ytd only) | 9.3484% | 1,084 |
| Net charge-offs to loans | 0.0626% | 2,122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 894 |
| Efficiency ratio | 58.7444% | 5,251 |
| Assets per employee ($millions) | 7.7234% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4795% | 544 |
| Loan loss allowance to noncurrent loans | 229.8507% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.4337% | 4,302 |
| Noncurrent loans to loans | 1.0787% | 2,605 |
| Net loans and leases to total assets | 39.2121% | 5,646 |
| Net loans and leases to deposits | 45.0946% | 5,703 |
| Net loans and leases to core deposits | 45.6134% | 5,772 |
| Total domestic deposits to total assets | 86.9552% | 2,396 |
| Equity capital to assets | 12.9849% | 1,413 |
| Core capital (leverage) ratio | 12.7617% | 1,251 |
| Tier 1 risk-based capital ratio | 28.1741% | 643 |
| Total risk-based capital ratio | 28.1741% | 704 |
| Memoranda: | ||
| Average total assets | $60,290,500 | 5,497 |
| Average earning assets | $58,191,000 | 5,410 |
| Average equity | $7,873,000 | 5,241 |
| Average total loans | $25,572,500 | 5,695 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4880% | 5,344 |
| Cost of funding earning assets | 0.4159% | 3,528 |
| Net interest margin | 3.0721% | 5,273 |
| Noninterest income to average assets | 0.2363% | 5,443 |
| Noninterest expense to average assets | 1.8325% | 6,027 |
| Loan and lease loss provision to assets | 0.2040% | 1,236 |
| Net operating income to assets | 1.1509% | 1,773 |
| Return on assets (ROA) | 1.1509% | 1,835 |
| Pretax return on assets | 1.1509% | 2,868 |
| Return on Equity (ROE) | 8.5439% | 2,815 |
| Retained earnings to average equity (ytd only) | -2.1707% | 6,028 |
| Net charge-offs to loans | 0.4137% | 1,031 |
| Credit loss provision to net charge-offs | 109.0909% | 2,184 |
| Earnings coverage of net charge-offs (x) | 7.2455% | 3,061 |
| Efficiency ratio | 57.4933% | 5,516 |
| Assets per employee ($millions) | 7.3493% | 708 |
| Cash dividends to net income (ytd only)* | 125.4062% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3573% | 666 |
| Loan loss allowance to noncurrent loans | 188.4498% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.5596% | 3,932 |
| Noncurrent loans to loans | 1.2509% | 2,361 |
| Net loans and leases to total assets | 43.6796% | 5,483 |
| Net loans and leases to deposits | 50.3174% | 5,567 |
| Net loans and leases to core deposits | 50.9261% | 5,671 |
| Total domestic deposits to total assets | 86.8082% | 2,387 |
| Equity capital to assets | 13.1357% | 1,300 |
| Core capital (leverage) ratio | 12.8655% | 1,188 |
| Tier 1 risk-based capital ratio | 21.9442% | 1,230 |
| Total risk-based capital ratio | 23.2013% | 1,209 |
| Memoranda: | ||
| Average total assets | $58,825,800 | 5,577 |
| Average earning assets | $56,508,600 | 5,507 |
| Average equity | $7,923,800 | 5,220 |
| Average total loans | $26,588,000 | 5,720 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4888% | 5,420 |
| Cost of funding earning assets | 0.4199% | 3,575 |
| Net interest margin | 3.0690% | 5,335 |
| Noninterest income to average assets | 0.2357% | 5,515 |
| Noninterest expense to average assets | 1.7518% | 6,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4323% | 1,069 |
| Return on assets (ROA) | 1.4323% | 1,106 |
| Pretax return on assets | 1.4323% | 1,882 |
| Return on Equity (ROE) | 10.5675% | 1,962 |
| Retained earnings to average equity (ytd only) | 0.5351% | 5,649 |
| Net charge-offs to loans | -0.0500% | 5,909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0178% | 5,743 |
| Assets per employee ($millions) | 7.2329% | 722 |
| Cash dividends to net income (ytd only)* | 94.9362% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2989% | 824 |
| Loan loss allowance to noncurrent loans | 521.0084% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 5,403 |
| Noncurrent loans to loans | 0.4412% | 4,578 |
| Net loans and leases to total assets | 45.5369% | 5,413 |
| Net loans and leases to deposits | 52.8301% | 5,475 |
| Net loans and leases to core deposits | 53.4831% | 5,596 |
| Total domestic deposits to total assets | 86.1950% | 2,759 |
| Equity capital to assets | 13.7428% | 1,097 |
| Core capital (leverage) ratio | 13.3328% | 1,052 |
| Tier 1 risk-based capital ratio | 22.0988% | 1,250 |
| Total risk-based capital ratio | 23.3542% | 1,230 |
| Memoranda: | ||
| Average total assets | $58,833,750 | 5,639 |
| Average earning assets | $56,521,500 | 5,560 |
| Average equity | $7,974,000 | 5,248 |
| Average total loans | $26,659,750 | 5,775 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4403% | 5,541 |
| Cost of funding earning assets | 0.4120% | 3,749 |
| Net interest margin | 3.0283% | 5,449 |
| Noninterest income to average assets | 0.2231% | 5,610 |
| Noninterest expense to average assets | 1.7006% | 6,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4301% | 1,000 |
| Return on assets (ROA) | 1.4301% | 1,039 |
| Pretax return on assets | 1.4301% | 1,784 |
| Return on Equity (ROE) | 10.5997% | 1,893 |
| Retained earnings to average equity (ytd only) | 0.5763% | 5,511 |
| Net charge-offs to loans | -0.0527% | 5,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3197% | 5,886 |
| Assets per employee ($millions) | 6.5257% | 994 |
| Cash dividends to net income (ytd only)* | 94.5626% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4221% | 792 |
| Loan loss allowance to noncurrent loans | 709.1954% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 5,292 |
| Noncurrent loans to loans | 0.3415% | 4,988 |
| Net loans and leases to total assets | 42.3235% | 5,656 |
| Net loans and leases to deposits | 48.9957% | 5,705 |
| Net loans and leases to core deposits | 49.5900% | 5,820 |
| Total domestic deposits to total assets | 86.3820% | 2,831 |
| Equity capital to assets | 13.5550% | 1,138 |
| Core capital (leverage) ratio | 13.0743% | 1,131 |
| Tier 1 risk-based capital ratio | 21.7862% | 1,293 |
| Total risk-based capital ratio | 23.0420% | 1,268 |
| Memoranda: | ||
| Average total assets | $59,157,330 | 5,681 |
| Average earning assets | $56,797,330 | 5,590 |
| Average equity | $7,981,330 | 5,276 |
| Average total loans | $26,556,670 | 5,818 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4398% | 5,560 |
| Cost of funding earning assets | 0.4010% | 3,955 |
| Net interest margin | 3.0388% | 5,416 |
| Noninterest income to average assets | 0.2223% | 5,579 |
| Noninterest expense to average assets | 1.7113% | 6,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4216% | 950 |
| Return on assets (ROA) | 1.4216% | 992 |
| Pretax return on assets | 1.4216% | 1,674 |
| Return on Equity (ROE) | 10.5612% | 1,841 |
| Retained earnings to average equity (ytd only) | 10.5612% | 825 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6237% | 5,960 |
| Assets per employee ($millions) | 6.7087% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2988% | 1,031 |
| Loan loss allowance to noncurrent loans | 835.6164% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 5,885 |
| Noncurrent loans to loans | 0.2751% | 5,280 |
| Net loans and leases to total assets | 42.9395% | 5,593 |
| Net loans and leases to deposits | 49.6619% | 5,621 |
| Net loans and leases to core deposits | 50.2461% | 5,743 |
| Total domestic deposits to total assets | 86.4636% | 3,133 |
| Equity capital to assets | 13.4735% | 1,105 |
| Core capital (leverage) ratio | 13.4102% | 1,001 |
| Tier 1 risk-based capital ratio | 21.5736% | 1,361 |
| Total risk-based capital ratio | 22.8284% | 1,339 |
| Memoranda: | ||
| Average total assets | $59,370,500 | 5,729 |
| Average earning assets | $56,864,500 | 5,643 |
| Average equity | $7,991,500 | 5,292 |
| Average total loans | $27,098,000 | 5,846 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7167% | 5,081 |
| Cost of funding earning assets | 0.4262% | 4,366 |
| Net interest margin | 3.2904% | 4,698 |
| Noninterest income to average assets | 0.2651% | 5,449 |
| Noninterest expense to average assets | 1.6711% | 6,470 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7498% | 529 |
| Return on assets (ROA) | 1.7498% | 545 |
| Pretax return on assets | 1.7498% | 851 |
| Return on Equity (ROE) | 12.8692% | 1,191 |
| Retained earnings to average equity (ytd only) | 1.4215% | 5,184 |
| Net charge-offs to loans | 0.0251% | 4,917 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 146.1429% | 316 |
| Efficiency ratio | 48.8500% | 6,456 |
| Assets per employee ($millions) | 6.4848% | 988 |
| Cash dividends to net income (ytd only)* | 88.9541% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2054% | 1,171 |
| Loan loss allowance to noncurrent loans | 559.6330% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 5,752 |
| Noncurrent loans to loans | 0.3941% | 5,027 |
| Net loans and leases to total assets | 46.3479% | 5,458 |
| Net loans and leases to deposits | 53.5866% | 5,501 |
| Net loans and leases to core deposits | 54.2378% | 5,656 |
| Total domestic deposits to total assets | 86.4914% | 2,994 |
| Equity capital to assets | 13.4469% | 1,089 |
| Core capital (leverage) ratio | 13.5153% | 951 |
| Tier 1 risk-based capital ratio | 20.7015% | 1,489 |
| Total risk-based capital ratio | 21.9571% | 1,460 |
| Memoranda: | ||
| Average total assets | $58,464,000 | 5,796 |
| Average earning assets | $56,071,600 | 5,699 |
| Average equity | $7,949,200 | 5,352 |
| Average total loans | $27,881,400 | 5,852 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7134% | 5,126 |
| Cost of funding earning assets | 0.4321% | 4,487 |
| Net interest margin | 3.2813% | 4,712 |
| Noninterest income to average assets | 0.2507% | 5,638 |
| Noninterest expense to average assets | 1.5410% | 6,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8601% | 465 |
| Return on assets (ROA) | 1.8601% | 477 |
| Pretax return on assets | 1.8601% | 779 |
| Return on Equity (ROE) | 13.6431% | 1,088 |
| Retained earnings to average equity (ytd only) | 1.7723% | 5,253 |
| Net charge-offs to loans | 0.0334% | 4,464 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 116.6099% | 440 |
| Efficiency ratio | 45.3083% | 6,616 |
| Assets per employee ($millions) | 6.3357% | 1,014 |
| Cash dividends to net income (ytd only)* | 87.0098% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1886% | 1,349 |
| Loan loss allowance to noncurrent loans | 179.9410% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5945% | 4,656 |
| Noncurrent loans to loans | 1.2163% | 3,386 |
| Net loans and leases to total assets | 47.8105% | 5,366 |
| Net loans and leases to deposits | 55.5325% | 5,412 |
| Net loans and leases to core deposits | 56.2254% | 5,604 |
| Total domestic deposits to total assets | 86.0946% | 3,203 |
| Equity capital to assets | 13.8388% | 1,008 |
| Core capital (leverage) ratio | 13.4310% | 1,052 |
| Tier 1 risk-based capital ratio | 21.0191% | 1,490 |
| Total risk-based capital ratio | 22.2732% | 1,463 |
| Memoranda: | ||
| Average total assets | $58,489,250 | 5,859 |
| Average earning assets | $56,155,750 | 5,758 |
| Average equity | $7,974,500 | 5,395 |
| Average total loans | $27,936,750 | 5,911 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6835% | 5,197 |
| Cost of funding earning assets | 0.4313% | 4,649 |
| Net interest margin | 3.2523% | 4,764 |
| Noninterest income to average assets | 0.2272% | 5,821 |
| Noninterest expense to average assets | 1.4175% | 6,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9295% | 399 |
| Return on assets (ROA) | 1.9295% | 432 |
| Pretax return on assets | 1.9295% | 698 |
| Return on Equity (ROE) | 14.2209% | 960 |
| Retained earnings to average equity (ytd only) | 1.4746% | 5,283 |
| Net charge-offs to loans | 0.0358% | 4,184 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 113.8000% | 421 |
| Efficiency ratio | 42.3506% | 6,747 |
| Assets per employee ($millions) | 6.4726% | 911 |
| Cash dividends to net income (ytd only)* | 89.6309% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2083% | 1,405 |
| Loan loss allowance to noncurrent loans | 209.5890% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5013% | 5,011 |
| Noncurrent loans to loans | 1.0536% | 3,825 |
| Net loans and leases to total assets | 46.5246% | 5,476 |
| Net loans and leases to deposits | 53.7131% | 5,544 |
| Net loans and leases to core deposits | 54.3638% | 5,724 |
| Total domestic deposits to total assets | 86.6170% | 3,045 |
| Equity capital to assets | 13.3161% | 1,216 |
| Core capital (leverage) ratio | 13.0624% | 1,141 |
| Tier 1 risk-based capital ratio | 21.2620% | 1,433 |
| Total risk-based capital ratio | 22.5163% | 1,401 |
| Memoranda: | ||
| Average total assets | $58,978,670 | 5,877 |
| Average earning assets | $56,576,000 | 5,786 |
| Average equity | $8,002,330 | 5,429 |
| Average total loans | $27,958,330 | 5,936 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6819% | 5,224 |
| Cost of funding earning assets | 0.4278% | 4,838 |
| Net interest margin | 3.2541% | 4,716 |
| Noninterest income to average assets | 0.2157% | 5,931 |
| Noninterest expense to average assets | 1.6582% | 6,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6852% | 603 |
| Return on assets (ROA) | 1.6852% | 661 |
| Pretax return on assets | 1.6852% | 1,112 |
| Return on Equity (ROE) | 12.3077% | 1,341 |
| Retained earnings to average equity (ytd only) | 2.1169% | 4,946 |
| Net charge-offs to loans | 0.3276% | 1,657 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 10.8696% | 1,704 |
| Efficiency ratio | 49.5968% | 6,527 |
| Assets per employee ($millions) | 6.7050% | 893 |
| Cash dividends to net income (ytd only)* | 82.8000% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1998% | 1,584 |
| Loan loss allowance to noncurrent loans | 265.1786% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 5,472 |
| Noncurrent loans to loans | 0.8295% | 4,464 |
| Net loans and leases to total assets | 43.7634% | 5,688 |
| Net loans and leases to deposits | 50.6094% | 5,740 |
| Net loans and leases to core deposits | 51.2001% | 5,876 |
| Total domestic deposits to total assets | 86.4728% | 3,254 |
| Equity capital to assets | 13.4626% | 1,224 |
| Core capital (leverage) ratio | 12.8874% | 1,158 |
| Tier 1 risk-based capital ratio | 21.2389% | 1,480 |
| Total risk-based capital ratio | 22.4945% | 1,455 |
| Memoranda: | ||
| Average total assets | $59,341,500 | 5,920 |
| Average earning assets | $57,036,000 | 5,822 |
| Average equity | $8,125,000 | 5,453 |
| Average total loans | $28,080,500 | 5,983 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8166% | 5,785 |
| Cost of funding earning assets | 0.5363% | 4,943 |
| Net interest margin | 3.2803% | 5,321 |
| Noninterest income to average assets | 0.2444% | 5,703 |
| Noninterest expense to average assets | 1.9174% | 6,472 |
| Loan and lease loss provision to assets | 0.2151% | 2,981 |
| Net operating income to assets | 1.2599% | 1,422 |
| Return on assets (ROA) | 1.2599% | 1,579 |
| Pretax return on assets | 1.2599% | 2,570 |
| Return on Equity (ROE) | 9.0368% | 2,623 |
| Retained earnings to average equity (ytd only) | 1.5926% | 5,074 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5195% | 6,004 |
| Assets per employee ($millions) | 6.4820% | 1,015 |
| Cash dividends to net income (ytd only)* | 82.3770% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1161% | 1,727 |
| Loan loss allowance to noncurrent loans | 610.8911% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 6,131 |
| Noncurrent loans to loans | 0.3464% | 5,619 |
| Net loans and leases to total assets | 48.9235% | 5,314 |
| Net loans and leases to deposits | 56.8874% | 5,350 |
| Net loans and leases to core deposits | 57.2882% | 5,611 |
| Total domestic deposits to total assets | 86.0005% | 3,364 |
| Equity capital to assets | 13.9292% | 1,081 |
| Core capital (leverage) ratio | 13.1916% | 1,048 |
| Tier 1 risk-based capital ratio | 20.2021% | 1,629 |
| Total risk-based capital ratio | 21.4560% | 1,600 |
| Memoranda: | ||
| Average total assets | $58,099,400 | 5,971 |
| Average earning assets | $55,756,800 | 5,868 |
| Average equity | $8,100,200 | 5,472 |
| Average total loans | $26,843,600 | 6,088 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 6,008 |
| Cost of funding earning assets | 0.5521% | 5,068 |
| Net interest margin | 3.2550% | 5,528 |
| Noninterest income to average assets | 0.2412% | 5,827 |
| Noninterest expense to average assets | 1.9572% | 6,431 |
| Loan and lease loss provision to assets | 0.2871% | 2,274 |
| Net operating income to assets | 1.1256% | 2,005 |
| Return on assets (ROA) | 1.1256% | 2,199 |
| Pretax return on assets | 1.1256% | 3,251 |
| Return on Equity (ROE) | 8.0719% | 3,255 |
| Retained earnings to average equity (ytd only) | 0.6095% | 5,912 |
| Net charge-offs to loans | -0.0051% | 6,276 |
| Credit loss provision to net charge-offs | -12,500.0000% | 6,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0777% | 5,781 |
| Assets per employee ($millions) | 6.4173% | 990 |
| Cash dividends to net income (ytd only)* | 92.4478% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2447% | 1,619 |
| Loan loss allowance to noncurrent loans | 583.0189% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 6,248 |
| Noncurrent loans to loans | 0.3850% | 5,697 |
| Net loans and leases to total assets | 46.5995% | 5,699 |
| Net loans and leases to deposits | 54.3212% | 5,786 |
| Net loans and leases to core deposits | 54.7077% | 5,990 |
| Total domestic deposits to total assets | 85.7850% | 3,369 |
| Equity capital to assets | 14.1388% | 1,101 |
| Core capital (leverage) ratio | 13.1154% | 1,146 |
| Tier 1 risk-based capital ratio | 20.1490% | 1,719 |
| Total risk-based capital ratio | 21.4042% | 1,687 |
| Memoranda: | ||
| Average total assets | $58,039,750 | 6,042 |
| Average earning assets | $55,789,750 | 5,939 |
| Average equity | $8,093,750 | 5,532 |
| Average total loans | $26,265,000 | 6,203 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7581% | 6,232 |
| Cost of funding earning assets | 0.5721% | 5,132 |
| Net interest margin | 3.1860% | 5,777 |
| Noninterest income to average assets | 0.2443% | 5,823 |
| Noninterest expense to average assets | 2.0883% | 6,252 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2213% | 1,638 |
| Return on assets (ROA) | 1.2213% | 1,831 |
| Pretax return on assets | 1.2213% | 2,831 |
| Return on Equity (ROE) | 8.7984% | 2,899 |
| Retained earnings to average equity (ytd only) | 1.3136% | 5,535 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0977% | 5,065 |
| Assets per employee ($millions) | 6.3916% | 1,011 |
| Cash dividends to net income (ytd only)* | 85.0704% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9047% | 2,544 |
| Loan loss allowance to noncurrent loans | 372.7273% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 6,198 |
| Noncurrent loans to loans | 0.5110% | 5,508 |
| Net loans and leases to total assets | 44.0494% | 6,009 |
| Net loans and leases to deposits | 51.2894% | 6,074 |
| Net loans and leases to core deposits | 51.6553% | 6,261 |
| Total domestic deposits to total assets | 85.8842% | 3,413 |
| Equity capital to assets | 14.0376% | 1,083 |
| Core capital (leverage) ratio | 12.9498% | 1,164 |
| Tier 1 risk-based capital ratio | 20.8654% | 1,508 |
| Total risk-based capital ratio | 22.1155% | 1,478 |
| Memoranda: | ||
| Average total assets | $58,134,330 | 6,073 |
| Average earning assets | $55,933,000 | 5,970 |
| Average equity | $8,069,670 | 5,547 |
| Average total loans | $25,842,670 | 6,271 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7498% | 6,352 |
| Cost of funding earning assets | 0.5917% | 5,200 |
| Net interest margin | 3.1581% | 5,886 |
| Noninterest income to average assets | 0.1643% | 6,401 |
| Noninterest expense to average assets | 2.1903% | 6,067 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0062% | 2,460 |
| Return on assets (ROA) | 1.0062% | 2,648 |
| Pretax return on assets | 1.0062% | 3,656 |
| Return on Equity (ROE) | 7.2890% | 3,609 |
| Retained earnings to average equity (ytd only) | 7.2890% | 2,281 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5225% | 4,065 |
| Assets per employee ($millions) | 6.5939% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9380% | 2,564 |
| Loan loss allowance to noncurrent loans | 372.7273% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 6,329 |
| Noncurrent loans to loans | 0.5200% | 5,629 |
| Net loans and leases to total assets | 41.9496% | 6,198 |
| Net loans and leases to deposits | 48.6744% | 6,254 |
| Net loans and leases to core deposits | 49.0726% | 6,389 |
| Total domestic deposits to total assets | 86.1842% | 3,420 |
| Equity capital to assets | 13.7265% | 1,130 |
| Core capital (leverage) ratio | 13.0606% | 1,108 |
| Tier 1 risk-based capital ratio | 22.6650% | 1,181 |
| Total risk-based capital ratio | 23.9172% | 1,159 |
| Memoranda: | ||
| Average total assets | $58,439,500 | 6,110 |
| Average earning assets | $56,109,000 | 6,003 |
| Average equity | $8,067,000 | 5,574 |
| Average total loans | $25,848,500 | 6,319 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1980% | 6,061 |
| Cost of funding earning assets | 0.7868% | 4,961 |
| Net interest margin | 3.4112% | 5,449 |
| Noninterest income to average assets | 0.2731% | 5,572 |
| Noninterest expense to average assets | 1.9080% | 6,818 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.6191% | 641 |
| Return on assets (ROA) | 1.6191% | 696 |
| Pretax return on assets | 1.6191% | 1,163 |
| Return on Equity (ROE) | 11.6188% | 1,525 |
| Retained earnings to average equity (ytd only) | 0.8597% | 5,461 |
| Net charge-offs to loans | -0.0189% | 6,951 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0959% | 6,506 |
| Assets per employee ($millions) | 6.3927% | 1,010 |
| Cash dividends to net income (ytd only)* | 92.6007% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8700% | 2,656 |
| Loan loss allowance to noncurrent loans | 2,139.1304% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 6,869 |
| Noncurrent loans to loans | 0.0874% | 6,591 |
| Net loans and leases to total assets | 44.8743% | 6,127 |
| Net loans and leases to deposits | 52.1639% | 6,199 |
| Net loans and leases to core deposits | 52.6050% | 6,396 |
| Total domestic deposits to total assets | 86.0257% | 3,311 |
| Equity capital to assets | 13.8840% | 1,108 |
| Core capital (leverage) ratio | 13.0250% | 1,127 |
| Tier 1 risk-based capital ratio | 21.5685% | 1,308 |
| Total risk-based capital ratio | 22.8210% | 1,273 |
| Memoranda: | ||
| Average total assets | $56,759,800 | 6,145 |
| Average earning assets | $54,145,400 | 6,041 |
| Average equity | $7,909,600 | 5,593 |
| Average total loans | $26,444,800 | 6,327 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2806% | 6,007 |
| Cost of funding earning assets | 0.8235% | 4,986 |
| Net interest margin | 3.4571% | 5,367 |
| Noninterest income to average assets | 0.2970% | 5,486 |
| Noninterest expense to average assets | 1.7419% | 7,051 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8503% | 470 |
| Return on assets (ROA) | 1.8503% | 506 |
| Pretax return on assets | 1.8503% | 859 |
| Return on Equity (ROE) | 13.2654% | 1,215 |
| Retained earnings to average equity (ytd only) | 2.2644% | 4,993 |
| Net charge-offs to loans | -0.0302% | 6,976 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4908% | 6,926 |
| Assets per employee ($millions) | 6.2841% | 1,041 |
| Cash dividends to net income (ytd only)* | 82.9301% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9005% | 2,607 |
| Loan loss allowance to noncurrent loans | 986.0000% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 6,836 |
| Noncurrent loans to loans | 0.1927% | 6,481 |
| Net loans and leases to total assets | 44.9953% | 6,241 |
| Net loans and leases to deposits | 52.6808% | 6,316 |
| Net loans and leases to core deposits | 53.1351% | 6,501 |
| Total domestic deposits to total assets | 85.4112% | 3,548 |
| Equity capital to assets | 14.4191% | 1,020 |
| Core capital (leverage) ratio | 13.3835% | 1,081 |
| Tier 1 risk-based capital ratio | 22.0098% | 1,288 |
| Total risk-based capital ratio | 23.2622% | 1,260 |
| Memoranda: | ||
| Average total assets | $56,566,250 | 6,193 |
| Average earning assets | $53,916,250 | 6,099 |
| Average equity | $7,890,000 | 5,633 |
| Average total loans | $26,478,500 | 6,386 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3381% | 5,879 |
| Cost of funding earning assets | 0.8572% | 5,003 |
| Net interest margin | 3.4809% | 5,242 |
| Noninterest income to average assets | 0.2439% | 5,902 |
| Noninterest expense to average assets | 1.7324% | 7,150 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8278% | 473 |
| Return on assets (ROA) | 1.8278% | 504 |
| Pretax return on assets | 1.8278% | 830 |
| Return on Equity (ROE) | 13.2536% | 1,145 |
| Retained earnings to average equity (ytd only) | 2.9737% | 4,389 |
| Net charge-offs to loans | -0.0375% | 6,982 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6594% | 7,025 |
| Assets per employee ($millions) | 6.3713% | 979 |
| Cash dividends to net income (ytd only)* | 77.5629% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8430% | 2,850 |
| Loan loss allowance to noncurrent loans | 673.9726% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 6,756 |
| Noncurrent loans to loans | 0.2735% | 6,377 |
| Net loans and leases to total assets | 45.6960% | 6,301 |
| Net loans and leases to deposits | 53.3101% | 6,362 |
| Net loans and leases to core deposits | 53.7619% | 6,576 |
| Total domestic deposits to total assets | 85.7173% | 3,487 |
| Equity capital to assets | 14.1048% | 1,065 |
| Core capital (leverage) ratio | 13.1729% | 1,095 |
| Tier 1 risk-based capital ratio | 22.2694% | 1,219 |
| Total risk-based capital ratio | 23.5220% | 1,189 |
| Memoranda: | ||
| Average total assets | $56,569,330 | 6,245 |
| Average earning assets | $53,894,330 | 6,149 |
| Average equity | $7,801,670 | 5,672 |
| Average total loans | $26,657,670 | 6,442 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3818% | 5,753 |
| Cost of funding earning assets | 0.8958% | 4,955 |
| Net interest margin | 3.4860% | 5,073 |
| Noninterest income to average assets | 0.2349% | 6,033 |
| Noninterest expense to average assets | 1.8440% | 7,082 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7158% | 566 |
| Return on assets (ROA) | 1.7158% | 597 |
| Pretax return on assets | 1.7158% | 959 |
| Return on Equity (ROE) | 12.5873% | 1,304 |
| Retained earnings to average equity (ytd only) | 12.5873% | 658 |
| Net charge-offs to loans | -0.0751% | 7,008 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8000% | 6,870 |
| Assets per employee ($millions) | 6.3987% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8887% | 2,726 |
| Loan loss allowance to noncurrent loans | 328.0000% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 6,514 |
| Noncurrent loans to loans | 0.5758% | 5,874 |
| Net loans and leases to total assets | 44.3790% | 6,442 |
| Net loans and leases to deposits | 51.5075% | 6,513 |
| Net loans and leases to core deposits | 51.9377% | 6,680 |
| Total domestic deposits to total assets | 86.1603% | 3,427 |
| Equity capital to assets | 13.5219% | 1,172 |
| Core capital (leverage) ratio | 13.4967% | 966 |
| Tier 1 risk-based capital ratio | 22.9414% | 1,089 |
| Total risk-based capital ratio | 24.1928% | 1,076 |
| Memoranda: | ||
| Average total assets | $56,183,000 | 6,304 |
| Average earning assets | $53,585,500 | 6,212 |
| Average equity | $7,658,500 | 5,723 |
| Average total loans | $26,639,000 | 6,493 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 5,503 |
| Cost of funding earning assets | 1.2163% | 4,449 |
| Net interest margin | 3.5594% | 5,000 |
| Noninterest income to average assets | 0.2700% | 5,855 |
| Noninterest expense to average assets | 1.9577% | 7,089 |
| Loan and lease loss provision to assets | 0.1825% | 5,397 |
| Net operating income to assets | 1.5363% | 706 |
| Return on assets (ROA) | 1.5363% | 771 |
| Pretax return on assets | 1.5363% | 1,284 |
| Return on Equity (ROE) | 10.8107% | 1,641 |
| Retained earnings to average equity (ytd only) | 1.4765% | 4,795 |
| Net charge-offs to loans | -0.0110% | 7,317 |
| Credit loss provision to net charge-offs | -3,333.3333% | 7,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2506% | 6,866 |
| Assets per employee ($millions) | 6.0864% | 1,161 |
| Cash dividends to net income (ytd only)* | 86.3420% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7885% | 2,900 |
| Loan loss allowance to noncurrent loans | 1,475.7576% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 7,064 |
| Noncurrent loans to loans | 0.1212% | 6,835 |
| Net loans and leases to total assets | 48.8189% | 6,293 |
| Net loans and leases to deposits | 56.8133% | 6,371 |
| Net loans and leases to core deposits | 57.3137% | 6,613 |
| Total domestic deposits to total assets | 85.9287% | 3,397 |
| Equity capital to assets | 13.7464% | 1,116 |
| Core capital (leverage) ratio | 13.3357% | 1,016 |
| Tier 1 risk-based capital ratio | 22.0040% | 1,173 |
| Total risk-based capital ratio | 23.2551% | 1,146 |
| Memoranda: | ||
| Average total assets | $54,808,600 | 6,376 |
| Average earning assets | $52,452,800 | 6,269 |
| Average equity | $7,788,600 | 5,779 |
| Average total loans | $27,277,400 | 6,541 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7792% | 5,739 |
| Cost of funding earning assets | 1.2741% | 4,409 |
| Net interest margin | 3.5051% | 5,273 |
| Noninterest income to average assets | 0.2675% | 5,981 |
| Noninterest expense to average assets | 1.8680% | 7,246 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7586% | 555 |
| Return on assets (ROA) | 1.7586% | 604 |
| Pretax return on assets | 1.7586% | 998 |
| Return on Equity (ROE) | 12.2749% | 1,434 |
| Retained earnings to average equity (ytd only) | 4.6009% | 3,262 |
| Net charge-offs to loans | -0.0195% | 7,352 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5091% | 7,030 |
| Assets per employee ($millions) | 6.1073% | 1,171 |
| Cash dividends to net income (ytd only)* | 62.5169% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 4,583 |
| Loan loss allowance to noncurrent loans | 1,337.9310% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 7,205 |
| Noncurrent loans to loans | 0.1030% | 6,979 |
| Net loans and leases to total assets | 50.5149% | 6,269 |
| Net loans and leases to deposits | 59.4523% | 6,357 |
| Net loans and leases to core deposits | 59.9736% | 6,599 |
| Total domestic deposits to total assets | 84.9671% | 3,631 |
| Equity capital to assets | 14.6527% | 978 |
| Core capital (leverage) ratio | 13.6227% | 1,019 |
| Tier 1 risk-based capital ratio | 22.0737% | 1,197 |
| Total risk-based capital ratio | 23.2012% | 1,188 |
| Memoranda: | ||
| Average total assets | $54,816,250 | 6,454 |
| Average earning assets | $52,532,250 | 6,351 |
| Average equity | $7,853,250 | 5,843 |
| Average total loans | $27,289,500 | 6,625 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7463% | 5,988 |
| Cost of funding earning assets | 1.3408% | 4,246 |
| Net interest margin | 3.4054% | 5,623 |
| Noninterest income to average assets | 0.2848% | 5,862 |
| Noninterest expense to average assets | 1.9245% | 7,222 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6251% | 685 |
| Return on assets (ROA) | 1.6251% | 738 |
| Pretax return on assets | 1.6251% | 1,229 |
| Return on Equity (ROE) | 11.4303% | 1,614 |
| Retained earnings to average equity (ytd only) | 3.6731% | 3,761 |
| Net charge-offs to loans | -0.0444% | 7,429 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2181% | 6,862 |
| Assets per employee ($millions) | 6.2249% | 1,083 |
| Cash dividends to net income (ytd only)* | 67.8652% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 4,258 |
| Loan loss allowance to noncurrent loans | 295.4545% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 6,797 |
| Noncurrent loans to loans | 0.4861% | 6,275 |
| Net loans and leases to total assets | 47.7760% | 6,637 |
| Net loans and leases to deposits | 55.7869% | 6,745 |
| Net loans and leases to core deposits | 56.2630% | 6,927 |
| Total domestic deposits to total assets | 85.6401% | 3,292 |
| Equity capital to assets | 13.9886% | 1,158 |
| Core capital (leverage) ratio | 13.3236% | 1,108 |
| Tier 1 risk-based capital ratio | 22.4892% | 1,123 |
| Total risk-based capital ratio | 23.6637% | 1,116 |
| Memoranda: | ||
| Average total assets | $54,766,330 | 6,498 |
| Average earning assets | $52,504,330 | 6,387 |
| Average equity | $7,786,330 | 5,871 |
| Average total loans | $27,001,330 | 6,691 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8287% | 5,768 |
| Cost of funding earning assets | 1.4424% | 3,922 |
| Net interest margin | 3.3862% | 5,635 |
| Noninterest income to average assets | 0.2808% | 5,894 |
| Noninterest expense to average assets | 1.9580% | 7,237 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5664% | 801 |
| Return on assets (ROA) | 1.5664% | 858 |
| Pretax return on assets | 1.5664% | 1,347 |
| Return on Equity (ROE) | 10.9264% | 1,805 |
| Retained earnings to average equity (ytd only) | 10.9264% | 935 |
| Net charge-offs to loans | 0.0149% | 5,377 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 212.0000% | 159 |
| Efficiency ratio | 55.5556% | 6,832 |
| Assets per employee ($millions) | 6.1927% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 4,191 |
| Loan loss allowance to noncurrent loans | 88.2488% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 5,587 |
| Noncurrent loans to loans | 1.6356% | 4,296 |
| Net loans and leases to total assets | 46.9211% | 6,758 |
| Net loans and leases to deposits | 54.8849% | 6,853 |
| Net loans and leases to core deposits | 54.8849% | 7,055 |
| Total domestic deposits to total assets | 85.4900% | 3,421 |
| Equity capital to assets | 14.0919% | 1,113 |
| Core capital (leverage) ratio | 13.8078% | 1,003 |
| Tier 1 risk-based capital ratio | 23.9833% | 971 |
| Total risk-based capital ratio | 25.2021% | 950 |
| Memoranda: | ||
| Average total assets | $54,137,500 | 6,601 |
| Average earning assets | $51,857,000 | 6,480 |
| Average equity | $7,761,000 | 5,924 |
| Average total loans | $26,924,000 | 6,775 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2736% | 5,308 |
| Cost of funding earning assets | 1.8256% | 3,855 |
| Net interest margin | 3.4481% | 5,178 |
| Noninterest income to average assets | 0.2827% | 6,082 |
| Noninterest expense to average assets | 2.0528% | 7,279 |
| Loan and lease loss provision to assets | 0.2924% | 5,087 |
| Net operating income to assets | 1.2477% | 1,134 |
| Return on assets (ROA) | 1.2477% | 1,192 |
| Pretax return on assets | 1.2477% | 1,833 |
| Return on Equity (ROE) | 8.2891% | 2,266 |
| Retained earnings to average equity (ytd only) | 0.7771% | 4,466 |
| Net charge-offs to loans | 0.6423% | 3,272 |
| Credit loss provision to net charge-offs | 85.2273% | 6,158 |
| Earnings coverage of net charge-offs (x) | 4.4886% | 2,931 |
| Efficiency ratio | 57.1351% | 6,878 |
| Assets per employee ($millions) | 5.8379% | 1,364 |
| Cash dividends to net income (ytd only)* | 90.6250% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4059% | 4,208 |
| Loan loss allowance to noncurrent loans | 872.7273% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 7,277 |
| Noncurrent loans to loans | 0.1611% | 7,024 |
| Net loans and leases to total assets | 51.2552% | 6,504 |
| Net loans and leases to deposits | 60.3257% | 6,610 |
| Net loans and leases to core deposits | 67.9433% | 6,881 |
| Total domestic deposits to total assets | 84.9641% | 3,563 |
| Equity capital to assets | 14.5943% | 999 |
| Core capital (leverage) ratio | 13.9508% | 991 |
| Tier 1 risk-based capital ratio | 23.3169% | 1,006 |
| Total risk-based capital ratio | 24.5392% | 989 |
| Memoranda: | ||
| Average total assets | $51,295,800 | 6,657 |
| Average earning assets | $49,245,000 | 6,555 |
| Average equity | $7,721,000 | 6,018 |
| Average total loans | $27,403,000 | 6,776 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3577% | 5,139 |
| Cost of funding earning assets | 1.8965% | 3,904 |
| Net interest margin | 3.4611% | 5,023 |
| Noninterest income to average assets | 0.2824% | 6,217 |
| Noninterest expense to average assets | 2.0032% | 7,375 |
| Loan and lease loss provision to assets | 0.3923% | 3,964 |
| Net operating income to assets | 1.2134% | 1,432 |
| Return on assets (ROA) | 1.2134% | 1,493 |
| Pretax return on assets | 1.2134% | 2,222 |
| Return on Equity (ROE) | 7.9988% | 2,635 |
| Retained earnings to average equity (ytd only) | 0.5861% | 4,961 |
| Net charge-offs to loans | 0.8605% | 2,244 |
| Credit loss provision to net charge-offs | 84.7458% | 5,631 |
| Earnings coverage of net charge-offs (x) | 3.4690% | 3,517 |
| Efficiency ratio | 55.5072% | 7,065 |
| Assets per employee ($millions) | 5.6896% | 1,442 |
| Cash dividends to net income (ytd only)* | 92.6728% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 3,842 |
| Loan loss allowance to noncurrent loans | 7,660.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 7,559 |
| Noncurrent loans to loans | 0.0185% | 7,481 |
| Net loans and leases to total assets | 51.9646% | 6,599 |
| Net loans and leases to deposits | 61.5764% | 6,713 |
| Net loans and leases to core deposits | 69.5915% | 6,983 |
| Total domestic deposits to total assets | 84.3905% | 3,535 |
| Equity capital to assets | 15.1428% | 963 |
| Core capital (leverage) ratio | 14.2020% | 1,041 |
| Tier 1 risk-based capital ratio | 23.7196% | 1,032 |
| Total risk-based capital ratio | 24.9643% | 1,006 |
| Memoranda: | ||
| Average total assets | $50,984,500 | 6,722 |
| Average earning assets | $49,000,250 | 6,612 |
| Average equity | $7,734,250 | 6,072 |
| Average total loans | $27,425,250 | 6,831 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4642% | 4,824 |
| Cost of funding earning assets | 1.9699% | 3,915 |
| Net interest margin | 3.4943% | 4,823 |
| Noninterest income to average assets | 0.2828% | 6,240 |
| Noninterest expense to average assets | 2.0546% | 7,368 |
| Loan and lease loss provision to assets | 0.5893% | 2,680 |
| Net operating income to assets | 0.9978% | 2,112 |
| Return on assets (ROA) | 0.9978% | 2,209 |
| Pretax return on assets | 0.9978% | 3,023 |
| Return on Equity (ROE) | 6.5738% | 3,400 |
| Retained earnings to average equity (ytd only) | -1.1905% | 5,534 |
| Net charge-offs to loans | 1.2913% | 1,434 |
| Credit loss provision to net charge-offs | 84.2697% | 5,083 |
| Earnings coverage of net charge-offs (x) | 2.2697% | 3,933 |
| Efficiency ratio | 56.4186% | 7,067 |
| Assets per employee ($millions) | 5.6562% | 1,444 |
| Cash dividends to net income (ytd only)* | 118.1102% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 3,755 |
| Loan loss allowance to noncurrent loans | 106.7039% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.7092% | 5,635 |
| Noncurrent loans to loans | 1.3069% | 4,594 |
| Net loans and leases to total assets | 53.0605% | 6,561 |
| Net loans and leases to deposits | 62.7769% | 6,680 |
| Net loans and leases to core deposits | 71.5523% | 6,931 |
| Total domestic deposits to total assets | 84.5225% | 3,492 |
| Equity capital to assets | 14.9354% | 1,042 |
| Core capital (leverage) ratio | 14.0787% | 1,122 |
| Tier 1 risk-based capital ratio | 23.8772% | 1,050 |
| Total risk-based capital ratio | 25.1273% | 1,028 |
| Memoranda: | ||
| Average total assets | $50,910,670 | 6,788 |
| Average earning assets | $48,936,670 | 6,676 |
| Average equity | $7,727,670 | 6,113 |
| Average total loans | $27,569,670 | 6,876 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5996% | 4,356 |
| Cost of funding earning assets | 2.0548% | 3,845 |
| Net interest margin | 3.5447% | 4,546 |
| Noninterest income to average assets | 0.2671% | 6,305 |
| Noninterest expense to average assets | 1.9091% | 7,529 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7599% | 573 |
| Return on assets (ROA) | 1.7599% | 627 |
| Pretax return on assets | 1.7599% | 1,060 |
| Return on Equity (ROE) | 11.5019% | 1,809 |
| Retained earnings to average equity (ytd only) | 11.5019% | 879 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0343% | 7,413 |
| Assets per employee ($millions) | 5.6966% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 2,940 |
| Loan loss allowance to noncurrent loans | 142.3611% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.5676% | 5,767 |
| Noncurrent loans to loans | 1.0593% | 4,869 |
| Net loans and leases to total assets | 52.2323% | 6,660 |
| Net loans and leases to deposits | 62.1900% | 6,723 |
| Net loans and leases to core deposits | 69.9720% | 7,020 |
| Total domestic deposits to total assets | 83.9884% | 3,704 |
| Equity capital to assets | 15.4460% | 977 |
| Core capital (leverage) ratio | 14.7505% | 1,025 |
| Tier 1 risk-based capital ratio | 24.2796% | 1,049 |
| Total risk-based capital ratio | 25.5308% | 1,026 |
| Memoranda: | ||
| Average total assets | $50,913,000 | 6,825 |
| Average earning assets | $48,861,000 | 6,714 |
| Average equity | $7,790,000 | 6,126 |
| Average total loans | $27,658,000 | 6,904 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1445% | 4,802 |
| Cost of funding earning assets | 2.4717% | 4,356 |
| Net interest margin | 3.6727% | 4,592 |
| Noninterest income to average assets | 0.2746% | 6,494 |
| Noninterest expense to average assets | 2.2132% | 6,934 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5751% | 878 |
| Return on assets (ROA) | 1.5629% | 875 |
| Pretax return on assets | 1.5629% | 1,508 |
| Return on Equity (ROE) | 9.4314% | 2,463 |
| Retained earnings to average equity (ytd only) | -10.0894% | 7,079 |
| Net charge-offs to loans | 0.0037% | 6,951 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 780.0000% | 69 |
| Efficiency ratio | 58.4222% | 6,616 |
| Assets per employee ($millions) | 6.3196% | 979 |
| Cash dividends to net income (ytd only)* | 206.9767% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 2,884 |
| Loan loss allowance to noncurrent loans | 338.8430% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 6,599 |
| Noncurrent loans to loans | 0.4302% | 6,054 |
| Net loans and leases to total assets | 54.8233% | 6,565 |
| Net loans and leases to deposits | 65.0588% | 6,711 |
| Net loans and leases to core deposits | 72.5842% | 7,036 |
| Total domestic deposits to total assets | 84.2673% | 3,195 |
| Equity capital to assets | 15.1532% | 1,123 |
| Core capital (leverage) ratio | 14.6248% | 1,114 |
| Tier 1 risk-based capital ratio | 22.9854% | 1,197 |
| Total risk-based capital ratio | 24.2351% | 1,170 |
| Memoranda: | ||
| Average total assets | $49,522,000 | 6,799 |
| Average earning assets | $47,376,000 | 6,698 |
| Average equity | $8,206,600 | 6,002 |
| Average total loans | $27,225,600 | 6,885 |